PDLB Stock - Ponce Financial Group, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $167.29M | $134.47M | $87.12M | $77.58M | $60.96M |
| Gross Profit | $79.80M | $72.89M | $46.92M | $66.61M | $47.15M |
| Gross Margin | 47.7% | 54.2% | 53.9% | 85.9% | 77.3% |
| Operating Income | $15.69M | $5.85M | $-36,846,000 | $33.62M | $5.24M |
| Net Income | $10.97M | $3.35M | $-30,001,000 | $25.41M | $3.85M |
| Net Margin | 6.6% | 2.5% | -34.4% | 32.8% | 6.3% |
| EPS | $0.46 | $0.15 | $-1.32 | $1.52 | $0.23 |
Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock. It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| January 31st 2023 | Compass Point | Downgrade | Sell | $9← $11 |
Earnings History & Surprises
PDLBEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 23, 2026 | — | — | — | — |
Q1 2026 | Jan 27, 2026 | $0.28 | — | — | — |
Q4 2025 | Oct 24, 2025 | $0.22 | $0.27 | +22.7% | ✓ BEAT |
Q3 2025 | Jul 25, 2025 | $0.17 | $0.25 | +47.1% | ✓ BEAT |
Q2 2025 | Apr 25, 2025 | $0.09 | $0.25 | +177.8% | ✓ BEAT |
Q1 2025 | Jan 28, 2025 | $0.09 | $0.12 | +33.3% | ✓ BEAT |
Q4 2024 | Oct 30, 2024 | $0.07 | $0.10 | +42.9% | ✓ BEAT |
Q3 2024 | Jul 30, 2024 | $0.01 | $0.14 | +1300.0% | ✓ BEAT |
Q2 2024 | Apr 30, 2024 | $0.02 | $0.11 | +466.7% | ✓ BEAT |
Q1 2024 | Mar 19, 2024 | — | $0.02 | — | — |
Q4 2023 | Oct 30, 2023 | $-0.07 | $0.12 | +271.4% | ✓ BEAT |
Q3 2023 | Jul 28, 2023 | $-0.10 | $-0.00 | +96.3% | ✓ BEAT |
Q2 2023 | Apr 26, 2023 | $-0.08 | $0.01 | +112.5% | ✓ BEAT |
Q1 2023 | Mar 1, 2023 | $0.05 | $-0.40 | -895.4% | ✗ MISS |
Q4 2022 | Oct 28, 2022 | $-0.00 | $-0.03 | -3091.5% | ✗ MISS |
Q3 2022 | Jul 29, 2022 | $0.01 | $0.03 | +122.2% | ✓ BEAT |
Q2 2022 | May 9, 2022 | $-0.06 | $-0.31 | -419.3% | ✗ MISS |
Q1 2022 | Mar 2, 2022 | $0.69 | $0.64 | -7.2% | ✗ MISS |
Q4 2021 | Nov 2, 2021 | $0.09 | $0.09 | 0.0% | = MET |
Q3 2021 | Aug 5, 2021 | $0.09 | $0.25 | +177.8% | ✓ BEAT |
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